Credit-building & financial tools, made easy.
on avg for users with starting credit under 600 in a year with on time payments

Since 2019, we've helped millions of people just like you take control of their financial future.



You do not get money back after completing your Kikoff Credit Service1 plan, it is not a credit builder loan.
No. We offer Kikoff plans which are exclusively for building credit. We previously offered a separate Kikoff Secured Credit Card, but it's no longer offered.
No, credit ratings1 are based on multiple factors, and Kikoff is only a part of your entire credit story. Consistent, on-time payments are the best way to ensure positive reporting - that’s why Kikoff has tools like Autopay, which make on-time payments a breeze.
No. Your Kikoff Tradeline1 is designed exclusively for building credit and can’t be spent outside of Kikoff.
On avg for users with starting credit under 600 in a year with on time payments